Does Home Insurance Cover Water Main Leak?

  1. 7647 POINTS
    Mark Bartlett CLCS
    Branch Owner, TWFG Insurance Services, Fremont California and the Greater Bay Area Representing Dozens of Insurance Carriers
    The actual pipes (Plumbing) from leaking or bursting is excluded on a homeowners policy. However the damage the burst caused the dwelling could be covered. In the case of a leak coverage would be more difficult to determine if the leak has been occurring over a long period of time. A water main is usually away from the house so the chances of damage to the dwelling are low.  The big question to ask is "Was there any damage to the dwelling"?. If there is no damage to the dwelling you can immediately figure out there is no claim to be made. Leaks in general are just part of common maintenance of a homeowner. Always contact to agent to discuss the details of your particular situation to help determine if there is coverage for a water main leak.
    Answered on May 31, 2013
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